How long have you put off shopping around for more affordable Audi S4 insurance in Austin? If you are new to online price comparisons, you can be baffled because of the huge number of online companies that all promise the best rates for Audi S4 insurance in Austin.
Unbelievable but true, most insurance buyers have been with the same company for a minimum of four years, and virtually 40% of consumers have never quoted rates to find affordable coverage. Consumers in Austin can cut their rates by up to $1,766 a year by just shopping around, but they assume it’s a waste of time to do a rate comparison.
If you currently have a car insurance policy, you will be able to shop for the lowest rates using these techniques. Obtaining price quotes for the most affordable protection in Austin is simple if you know the tricks. Although Texas car owners must understand how the larger insurance companies market on the web and use it to your advantage.
The are a couple different ways to compare quotes from many different Texas insurance companies. The easiest way by far to find affordable Audi S4 insurance rates is to get quotes online. Just remember that comparing a large number of companies will improve the odds of getting a lower rate. Some insurance companies are not set up to provide price estimates online, so it’s important to compare rates from those companies as well.
The following companies are ready to provide comparison quotes in Texas. If several companies are displayed, we suggest you compare several of them to get a more complete price comparison.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|S4 Quattro 4-Dr Sedan||$208||$440||$334||$20||$100||$1,102||$92|
|S4 Quattro 4-Dr Sedan||$370||$762||$324||$20||$96||$1,572||$131|
|S4 Quattro 4-Dr Sedan||$350||$784||$366||$22||$110||$1,632||$136|
|S4 Quattro 4-Dr Sedan||$408||$762||$324||$20||$96||$1,610||$134|
|Get Your Own Custom Quote Go|
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Prices do not factor in specific location which can lower or raise premium rates greatly.
Impact of careless driving on auto insurance rates
The information below illustrates how violations and at-fault fender-benders impact Audi S4 insurance premiums for different age groups. The premium estimates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.
Age, gender, and Audi S4 insurance
The illustration below compares Audi S4 auto insurance rates for male and female drivers. The prices are based on no violations or claims, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.
Cut your insurance rates with discounts
Some companies do not list every discount they offer very clearly, so the following list contains both the well known as well as some of the hidden credits that may apply to you. If you do not check that you are getting every discount available, you are just wasting money.
- Sign Online – Some insurance companies give back up to $50 for completing your application on their website.
- Passive Restraints – Cars that have air bags and/or automatic seat belt systems can get savings as much as 30%.
- Full Payment Discount – By paying your policy upfront rather than spreading payments over time you can actually save on your bill.
- Low Miles Discount – Maintaining low annual mileage may allow you to get better insurance rates on cars that stay parked.
- Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company you may earn as much as 10 to 15 percent.
- Active Service Discounts – Being on active deployment in the military could mean lower premium rates.
- Onboard Data Collection – Drivers who elect to allow data collection to track where and when they drive by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
- Own a Home and Save – Just being a homeowner can save a few bucks because of the fact that having a home requires a higher level of personal finance.
Policy discounts save money, but some of the credits will not apply to the overall cost of the policy. A few only apply to specific coverage prices like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.
Popular insurance companies and some of the premium reductions they offer are shown below.
- State Farm discounts include safe vehicle, accident-free, passive restraint, multiple autos, defensive driving training, and Steer Clear safe driver discount.
- American Family has savings for TimeAway discount, accident-free, bundled insurance, good student, and Steer into Savings.
- GEICO has discounts for air bags, anti-lock brakes, emergency military deployment, five-year accident-free, and daytime running lights.
- 21st Century may have discounts that include defensive driver, homeowners, automatic seat belts, anti-lock brakes, air bags, student driver, and driver training.
- Progressive offers discounts including multi-policy, online quote discount, online signing, good student, homeowner, continuous coverage, and multi-vehicle.
If you are trying to find the cheapest Audi S4 rate quotes, ask each company or agent which discounts you qualify for. Discounts may not be offered everywhere. To view insurance companies with significant discounts in Texas, click this link.
Getting quotes from local Austin auto insurance agents
Certain consumers would prefer to go talk to an agent and that is a smart decision The best thing about price shopping on the web is the fact that you can find the best rates and still choose a local agent. And supporting neighborhood agents is important especially in Austin.
Upon completion of this quick form, your insurance data gets sent to agents in your area that provide free Austin auto insurance quotes for your insurance coverage. You won’t even need to do any legwork because prices are sent to you instantly. You’ll get the best rates without a big time investment. If you need to compare prices from a specific auto insurance provider, just find their quoting web page to submit a rate quote request.
If you are wanting to find a reputable agency, you should know the different types of agents and how they can quote your rates. Agents in Austin are considered either independent (non-exclusive) or exclusive.
Independent Agents (or Brokers)
Independent agents are not required to write business for one company and that gives them the ability to insure through many companies and get you the best rates possible. To transfer your coverage to a different company, an independent agent can move your coverage and you can keep the same agent.
When comparing rate quotes, you will want to get rate quotes from at a minimum one independent agency in order to compare the most rates. A lot of them also have access to mutual insurance companies which can be an advantage.
Featured below is a small list of independent agencies in Austin who can help you get free auto insurance quotes.
- Reed Insurance Agency
2579 Western Trails Blvd #240 – Austin, TX 78745 – (512) 892-4555 – View Map
- Independent Insurance Agents
1115 San Jacinto Blvd – Austin, TX 78701 – (512) 476-6281 – View Map
- All Texas Insurance
6700 Middle Fiskville Rd # 303 – Austin, TX 78752 – (512) 459-7979 – View Map
Exclusive agencies work for only one company like State Farm or Allstate. These agents are unable to shop your coverage around so always compare other rates. They are well schooled on what they offer which helps overcome the inability to quote other rates. Drivers often choose to use an exclusive agent mostly because of loyalty to the company rather than low rates.
Shown below are exclusive insurance agencies in Austin who can help you get rate quotes.
- State Farm: Dick Clay
3006 Bee Cave Rd Suite B170 – Austin, TX 78746 – (512) 328-2340 – View Map
- Bennie Council – State Farm Insurance Agent
6448 US-290 f110 – Austin, TX 78723 – (512) 454-4524 – View Map
- Herman Askew – State Farm Insurance Agent
13201 Pond Springs Rd #105 – Austin, TX 78729 – (512) 250-5533 – View Map
Choosing an insurance agent should include more criteria than just the price. Any good agent in Austin should know the answers to these questions.
- Which companies do they recommend if they are an independent agency?
- Who are their largest clients?
- Is assistance available after office hours?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Do they feel the quoted coverages are adequate?
- Do they regularly work with personal auto policies in Austin?
It’s not one size fits all
When quoting and choosing adequate coverage, there really is no cookie cutter policy. Everyone’s situation is unique and your policy should reflect that.
Here are some questions about coverages that may help you determine whether you may require specific advice.
- Does my personal policy cover me when driving out-of-state?
- Am I covered while delivering pizza?
- Can I make deliveries for my home business?
- What is GAP insurance?
- What is motorclub and do I need it?
- Is my babysitter covered when using my vehicle?
- Why do I have to buy liability insurance?
- Do all my vehicles need collision coverage?
- What is the difference between personal and commercial auto insurance policies?
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of car insurance companies in your area.
Learn How to Get Insurance Cheaper
Many different elements are used when pricing auto insurance. Some are pretty understandable like an MVR report, but other factors are less obvious like where you live or how safe your car is.
Performance impacts insurance prices – The performance of the vehicle you are buying insurance for makes a substantial difference in your premium level. Because the Audi S4 is a luxury sports car, insurance will be up to twice as much as compared to the average rate in Austin. The lowest performance passenger vehicles normally have pretty low rates, but the final cost of insurance is determined by many other factors.
Deter theft and pay less – Driving a car with a theft deterrent system can help lower your rates. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft and help bring rates down.
High coverage deductibles cost less – Your deductibles define how much you are willing to pay in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered would be collision with another vehicle, collision with a deer, or theft of your vehicle. The more money you choose to pay out-of-pocket, the bigger discount you will receive.
Costs and your address – Living in small towns and rural areas has definite advantages when talking about insurance. Drivers who live in large cities have to deal with more auto accidents and much longer commute distances. Fewer people corresponds to lower accident rates in addition to fewer liability claims.
Does auto insurance cost less for gals? – Over time, data shows females are less aggressive when driving. This data doesn’t prove that women are better drivers. Both genders cause at-fault accidents in similar numbers, but the males have accidents that have higher claims. Not only that, but men also get ticketed for serious violations like reckless driving and DUI. Male drivers age 16 to 19 are the most expensive to insure so they pay the highest premiums.
Cheaper rates by combining – The majority of companies will award lower prices to people who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to ten percent or more. Even if you’re getting this discount you still need to compare other Austin S4 insurance rates to ensure the best deal.There is a chance you can find a better deal by buying from different companies
Safer cars are cheaper to insure – Cars with five star safety ratings tend to have better insurance rates. These vehicles reduce occupant injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders.
Driver age impacts prices – Drivers with little experience have a tendency to get distracted easily when driving so they pay higher insurance rates. Older people are viewed as being more responsible, cause fewer claims and accidents, and usually have better credit.
Insurance losses for an Audi S4 – Auto insurance companies include the past claim history for a vehicle when they calculate premium costs for each model. Vehicles that tend to have increased losses will cost more to insure. The table below shows the insurance loss data used by companies for Audi S4 vehicles.
For each coverage type, the loss probability for all vehicles, as an average, is set at 100. Numbers shown that are under 100 suggest a better than average loss history, while percentage values above 100 indicate a higher chance of having a claim or an increased chance of larger losses than average.
Insurance Loss Ratings for Audi S4 Vehicles
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
|Audi S4 4dr 4WD||206||78||182||51||57||75|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Why you need vehicle insurance in Texas
Even though it’s not necessarily cheap to insure an Audi in Austin, maintaining insurance may not be optional for several reasons.
First, the majority of states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage in order to license the vehicle. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if you took out a loan on your S4, most banks will force you to buy full coverage to guarantee loan repayment. If you let the policy lapse, the lender may have to buy a policy to insure your Audi at an extremely high rate and require you to pay the higher price.
Third, auto insurance preserves both your Audi and your personal assets. It will also cover most medical and hospital costs that are the result of an accident. Liability insurance, one of your policy coverages, also covers all legal expenses up to the policy limit if anyone sues you for causing an accident. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of buying enough insurance more than cancel out the cost, particularly when you have a large claim. As of last year, the average driver in Texas is overpaying over $855 a year so it’s important to compare rates at every policy renewal to ensure rates are competitive.
You can find cheaper coverage
We covered many ways to get a better price on Audi S4 insurance in Austin. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the biggest savings come from some of the lesser-known companies. These smaller insurers may often insure only within specific states and give better rates than the large multi-state companies such as State Farm or Progressive.
Budget-conscious Audi S4 insurance is available on the web and from local agencies, and you need to comparison shop both in order to have the best price selection to choose from. Some car insurance companies do not offer the ability to get quotes online and usually these regional carriers prefer to sell through independent insurance agents.
For more information, feel free to visit the resources below:
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Affordable Auto Insurance for Low Credit Scores in Austin? (FAQ)
- Who Has the Cheapest Austin Auto Insurance Quotes for High Mileage Drivers? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for High Risk Drivers? (FAQ)
- Who Has Affordable Austin Car Insurance Quotes for 16 Year Olds? (FAQ)
- How Much are Auto Insurance Rates for Drivers Over Age 60 in Austin? (FAQ)
- Avoiding Deer Collisions (Insurance Information Institute)
- Protect Yourself Against Auto Theft (Insurance Information Institute)